Another example is education. It’s difficult to educate yourself when you need to work 2 jobs just to eat and pay your rent and bills. There are stories of people managing it, but that is an unattainable utopia for a large number of people.

Being poor means having friends and family from lower classes the never talk about credit scores, and the impact they have on job and housing searches. I didn't realize until years later that my job search out of college was probably so difficult because of my low credit score (partly due to my often being a few days late, which I didn't realize is a VERY BIG DEAL for credit scores).

Being poor means living with people that always have the TV blasting near 100%, making it difficult to read or focus on anything. Not being able to afford headphones that can drown out the noise doesn't help.

Being poor means living in an area with more crime, so after you save for a year to buy a decent computer, it gets stolen. So you have to go to a thrift store and get a 10-15 year old computer, which is so slow that you have to spend 80% of your time looking at spinners/hourglasses.

Being poor and living in a poor neighborhood you spend more time waiting in lines. For example, it takes longer to use an ATM because there is only one outside the bank, so there is a line. In the wealthier towns 20 minutes away they have 3 or 4 ATMs all lined up in a row, so I've never seen anyone wait in line there.

Being poor in a poor area means things are more expensive. For example, the car wash charges $3.00, but the wealthy town 20 minutes has a car wash that charges on $2.00; the laundromat charges more in the poor neighborhood too. In the poor area, it costs $1.00 to inflate my tire at a gas staiton, while in the rich neighborhood it's often free. In poor places, sometimes business charge 50 cents to use a restroom, and there is often no mirror, and sometimes no TP. While the wealthier town the bathrooms are often free, with a mirror and plenty of TP. And some chain stores often have bathrooms open to the public in wealthy towns, but not in poor towns. If they exist in poor towns, you usually have to ask for a key, which looks like you can get 50K kinds of bacteria just by touching.

Being poor means no matter how hard you try to be a good driver, you can end up with a $500 ticket by a simple mistake, which you have to pay on-time or the penalties are aggressively insane and will bankrupt you. So you have to skip a bill and credit card payment, which further messes up your credit, making it more difficult to get a better job, housing, etc.

Being poor means your neighborhood is louder. Louder cars, motorcycles, music, etc. People doing their loud stuff very early in the morning and very late at night. People revving up their extremely loud cars and motorcycles in their driveways for 10-20 minutes at a time. There are more parties that blast extremely loud music outside until 2am. When I go to wealthier areas I'm always struck at how nice and quiet they are.

Being poor in California means that the yearly $250 car registration fee on my cheap car means that I'm going to have to not pay a bill or else start saving a few months ahead of time. Or worse, not pay for awhile and deal with the insane penalties, hoping the cops don't notice and pull me over.

Being poor means not knowing anything about negotiation, not knowing anyone that has every negotiated for a higher salary, and not even knowing early in your career that it is a possebility. So you get stuck in a $40K job in expensive coastal California. You start off your career with your morale low and depressed, thinking you should be wealthy by now, but realizing all your blue-collar friends are making more money than you. And you can't even start paying the full monthly amount on your student loans, so you'll be in debt for awhile. Things get better after 5 years of experience, but the first few years can be tough. And being somewhat poor as a developer, where everyone seems to eat out for lunch everyday, and not being able to afford it, and thus being seen as anti-social and out of the loop.

Being poor means lots of your family and friends are poor. If you live in the same area, they will need lots of free technical support with their computers and phones. You will also need to spend a lot of time helping your nephews and nieces with their school work because their poor parents cannot figure out to help them and cannot afford to hire a tutor. You will be out of energy and time that you could have used to advance your career. Your social connections tend to bring your down, putting breaks on your ambitions. You feel like your are caught in a spider web, that is dragging you back, only allowing you to move only so far.

Being poor means your brother or sister is poor and the financial stresses cause a divorce, and they move back in with your parents. And you also live with your parents because you are trying to save money by commuting to college. But now you can only get 3-4 hours of sleep because there is a newborn in the equation that screams so loud that everyone is sleep-deprived. You walk around campus like a zombie, try hard to process the lecture and notes, which you have to read over and over again. Your GPA goes from 3.7 to 2.3, and you have to retake a couple classes, and you can kiss your hopes of grad-school good-bye. You often think what's the point? No matter how hard I try my redneck friends and family will always pull me down.

Being poor means people see you as lazy because you grew up in a social class where you do what you're told and taking initiative is seen as bad. You are seen as taking control from others and full of yourself, so you do the minimum of what you are told. Then you get around upper middle-class people and your virtue is now a vice. People at work or college talk about what needs to be done and you are waiting for them to tell you what to do. But others are volunteering and being proactive and soon all the tasks are gone. You wonder why they left you out, thinking they don't like you or are not good enough. Several years later you realize you are supposed to volunteer without being told exactly what to do. You were seen as lazy and unhelpful, even though you were willing to work twice as hard as everyone else on a project. But no matter how much you volunteer after you learn the new rules, your reputation as lazy and not-a-team-player will never change until you change jobs.

The reality of the situation is a bit less glamorous than that, where you can't actually find standard housing at all because of lack of credit and consistent income, resulting in needing to stay at motels for the long-haul (for example). This higher proportional cost puts a pretty severe strain on your cash-flow, maybe meaning that you have to optimize for getting money NOW, instead of two weeks from now. Being unable to get to a bank regularly means you either have to carry cash on-hand (which makes you a target) or you have to use check cashing services and other value storage methods (which provide poor return).

Being poor isn't just like cutting costs and expenses, it's in fact an entirely different game from making ends meet for most middle-class people.

Being poor is dealing with housing instability, untreated mental illness, not calling 911 during likely medical emergencies, not being able to afford gas or bus fare to go to work, and generally catastrophe after catastrophe. People around you are also dealing with various catastrophes: abuse, imprisonment, alcoholism and addiction, and loss after loss after loss.

Being poor is traumatic. Even after you claw your way out of that hole, into a comfortable life funded by a comfortable tech salary, you never feel quite secure. You keep waiting for that next catastrophe to hit, and to be back in another job where you have to ask permission to use the bathroom or plead for time off to attend a funeral.

The "living within their means" examples you give sound like a person having the option of spending less money, but choosing not to (or not being aware they had an option that they did).

> [...] basic budgeting, retirement savings, not paying random fees, not paying interest, moving spare money to investment accounts every month, rebalancing your investments every quarter, negotiating rents, negotiating your salary.

These look like things that are generally unavailable to those who can least afford not doing those things.

It's expensive to be poor.